Tenants
Reliable long-term tenants make the property less risky for the bank — improving approval and rate. An empty unit is assessed more cautiously.
Commercial mortgage in Dubai
An office, warehouse, shop or showroom in Dubai can be bought with a mortgage, not only for cash. The terms differ noticeably from a home loan: a larger down payment, a shorter term, stricter assessment.
The down payment on a commercial mortgage is typically 30–50% of the price, the term usually up to 10–15 years, and the rate is individual — a base rate plus the bank’s margin. The bank looks at the borrower’s income and at the cash flow of the property itself.
The point is leverage: the bank funds part of the price, your own capital works elsewhere, and the rent covers part or all of the repayment. It only works if the property yields more than the debt costs.
Talk to a licensed broker: 📲 +971 50 120 32 64 on WhatsApp, @dubai_oleg on Telegram
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Commercial mortgages in Dubai: buying an office or a warehouse on credit
Commercial property can be financed too, on terms that look nothing like a home loan: a bigger deposit, a shorter term, and a bank that underwrites the asset's cash flow rather than your salary.
Read the full article →A worked example
An office costs AED 4 million. With 40% down you put in AED 1.6 million and the bank funds AED 2.4 million. If net rent covers the repayment, your capital works harder than with a cash purchase: growth in value is earned on the whole property, not just your share.
What decides the application
Your business
Proven income or an established business with a trading history, accounts, statements and a business plan.
The property
Valuation by the bank’s accredited valuer and clean title.
Headroom
Stress-testing the payment against a rate rise and a reserve for void periods.
Request
Discuss a commercial mortgage
Name and number — we will ask about the property, the tenants and how you want to structure the purchase.
Rather not leave a number? Message us directly: WhatsApp or @dubai_oleg.
Discuss a commercial mortgage
Video
More on this from our channel
Reviews and explainers from our English YouTube channel.
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WatchFrequently asked questions
Can a non-resident take a commercial mortgage?
With some banks, yes — with a larger down payment and a limited list of lenders.
Can I buy a whole building on a mortgage?
Yes, through a commercial mortgage. The building’s cash flow must cover the repayments comfortably.
Why use a broker?
Terms are negotiated individually, not off a standard rate. A broker compares several banks, prepares the documents and speeds up approval.
See also
In the news
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DP World was mandated in 2024 to expand Dubai's car market eightfold; in November 2025 the project was unveiled at 22 million sq ft — 1,500 showrooms, capacity for 800,000 vehicles a year, an auction house and a hotel. Current turnover of AED 6.8bn is expected to double.
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